Auto Insurance

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If you want to drive, it’s smart to have auto insurance. In fact, in Colorado it’s mandatory. And, if you can’t show proof of valid insurance, you may have to pay a fine, have points added to your driving record, or even have your license to drive suspended.

But life changes fast and the policy you’ve had for the past few years may not be the right fit anymore. That’s when an auto insurance broker can help.

The truth is, insurance rates in Colorado fluctuate a great deal, and one size does not fit all. Rates change based on a variety of factors, like your age, driving history, zip code and even your credit. Yes, car insurance companies can use your credit as a factor in determining your rate.

If you haven’t looked at your policy in a while, you think you might need new insurance, or you’d like to switch companies, we can help. As one of the more service-oriented auto insurance broker companies, our car insurance brokers have gathered some of the most competitive rates around, making it easy for you to compare.

Types of Colorado Auto Insurance — Know What You Need

There are several different types of coverage options available—and that’s a good thing. Depending on your budget, the age and make of your vehicle and Colorado’s minimum insurance requirements, the coverage recommended by your vehicle insurance broker will be unique to you and your circumstances. Here are some of the most common types of car insurance.


Liability insurance pays for costs associated with death, injury or property damage when you are found to be at fault in an accident. Bodily injury liability and property damage liability can reduce your out-of-pocket expenses from an accident, allowing you to drive with peace of mind. In many states, drivers must obtain a minimum level of liability coverage to drive legally.


Collision coverage pays for the costs of repairing damage to your vehicle when you are involved in an accident. Collision insurance helps when you hit another car or a stationary object, or someone hits your parked car.


Comprehensive coverage pays for costs related to your vehicle that are not due to a crash. For instance, damage from vandalism or theft, storms and natural disaster, and even damage from animals or falling objects.

Uninsured and Underinsured Motorist.

 In the event the other driver is at fault in an accident but does not have insurance or doesn’t have enough insurance, uninsured and underinsured motorist coverage can help protect you by covering your expenses.

Understanding Deductibles

The deductible is the amount you agree to pay out-of-pocket before your insurance pays. Deductibles typically range between 0 – $1,000. The amount of your deductible affects your monthly premium. However, your policy will not pay until you have met your deductible.


Here’s some great news: you may be eligible for a discount on your current auto insurance! Here are just a few of the ways you can save with available discounts.

  1. Anti-theft device
  2. Homeowner
  3. Good student
  4. Multi-policy
  5. Paid in Full 

When you’re ready to maximize your savings, give our independent car insurance brokers a call and we can help you find the right insurance discounts to save you money.

Teen Driver?

Getting a driver’s license for the first time is exciting but can also be expensive. Luckily, there are opportunities to save—even for teens! Most states offer discounts for full time students and those who successfully complete driver education programs. Contact one of our agents to learn more about teenage car insurance discounts in your state.

When you’re ready to look over your options, grab a few auto quotes online to comparison shop for the best price. The more you know, the easier it is to make good decisions. And that’s not only smart, but a practical way to get peace of mind that you and your vehicle are protected.

If you are seeking an auto or motorcycle insurance broker, get a quote from one of our agents today.